The insurance sector in India is still under developed as compared to developed countries, and despite private players now allowed to enter this sector, we only have a small number of providers. FDI would increase the number of insurance companies and may also make possible better plans at lower prices. But careful consideration is required to ensure that the investment stays for long term and does not get withdrawn, leaving the companies and their domestic customers in a miserable position, and not all profits are moved outside the country but some reinvested or spent in our country. Regulations need to be revisited to ensure that Insurance Companies are subject to relevant and strict governance. Increasing the FDI ceiling will make the Indian Insurance sector more vibrant and dynamic in the intermediate and long term.
Microfinance has evolved rapidly into a global movement dedicated to providing access to a range of financial services to poor and near-poor households. The organizations that provide these services, known as microfinance institutions (MFIs) may operate as formal micro banks, non-bank financial institutions, non-governmental organizations, or community-based financial institutions. These providers offer a range of financial services from small business loans to savings accounts, money transfers, insurance, and consumer loans. Growth of the microfinance industry, however, the microfinance is important as a minimum
From 2010 until today, assets under management have increased from $253 billion to more than $413 billion. MFS was titled as Equity Manager of the Year by Global Pensions magazine in 2010. It received the Lipper Fund Award in 2011 for Best Overall Large Company. MFS was recognized as the Best Specialist Equity Fund House by Morningstar UK in 2013, and in 2014 Barron 's named MFS among the "Best Mutual Fund Families", based on its investment result and management
This would enable microfinance institutions (MFIs) to offer more competitive loan rates to their users, as costs are lower than when dealing in cash. The users of the service would gain through being able to track their finances more easily. When the service was piloted, customers adopted the service for a variety of alternative uses and complications arose with Faulu, the partnering MFI. In discussion with other parties, M-Pesa was re-focused and launched with a different value proposition: sending remittances home across the country and making payments. CHALLENGES : The m-pesa agents have limited access to the customers’ personal details regarding their m-pesa account and thus can only help to a certain level, otherwise refer the customer to the Safaricom m-pesa customer care service where they can access help of whatever level.
Boas, et al. in  have addressed the financial constraints of implementing CMMI in small to mid-size organizations in Brazil. The authors suggest that if a group of small and mid-sized companies were to form a group, the financial burden will be minimal. The authors take an initiative to develop a methodology to implement software process development in groups. III.
Fotopoulos (2004) assessed the determinant factors of FDI and confirmed that firm size and age have a negative effect on growth while foreign ownership exerts a positive effect on firm growth. They conclude that MNC stimulates local industrial development by boosting firm growth. Moreover, Jay (2015) introduced financial factors in addition to strategic factors as determinants of FDI. Those financial factors concern internal capital market strength, corporate governance and exchange rate fluctuation, risk diversification, internal and external financing cost, and agency costs. There is variability in the significance of financial variables depending on industries and destinations.
This ensures that commission charges do not eat up a large part of your investment money. • Ability to Start Small: Mutual funds are one of the few financial instruments that can help you start building wealth even with a small initial investment. There are plenty of schemes where you can start small and invest monthly or quarterly instalments in the scheme. This enables you to start building wealth without the need to wait and save a substantial amount of money before you start investing. ICICI Prudential Banking and Financial Services Fund enables you to take advantage of the opportunities in the banking and financial services sector in India.
Mariam’s big challenge is capital for business expansion and with franchising; the issue of capital to expand your business is eliminated. Franchisee fees will cover the expenses and Meriam will have no need of borrowing from the banks to fund the expansion process. Franchising also helps in accelerating the expansion process. Franchisor is free to expand to new geographical locations without considering the employees and money. The franchisor will not pay the manager and employees as the franchisee has already included them in his or her payroll.
In order to overcome the existing problem, Mabe should go with alternative 2. As the profit margin is deteriorating, acquiring a local manufacturing plant would help the firm to increase the economy of scale and increase the market share. From Porter nation diamond frame work it is evident that the factor condition supporting the industry (Labour & Raw material) is good. The problem exists with the rivalry, internationalization strategy and demand condition. If Mabe would acquire a local manufacturing plant it would aid Mabe to attain competitive advantage over their rivals and help to overcome culture variation.
By investing in solution innovation and integration we can continue to expand our value propositions to our clients. Support Our Clients Through Innovation. FIS has the priority to adapt with the changes in market dynamics especially with information security and regulation. FIS depth of service capabilities enables the company to become involved with these changes sooner. Continually Improve to Drive Margin Expansion.